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    • @Man in the middle I've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe concenquences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points?
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Link Claim Forms -MBNA debts


Prudence
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Hi, to update I have now received a letter from Link asking me to send the ppi payment I have received to them. They say mbna contacted them and told them that they had sent it to us! IMS - I cannot open the spreadsheet you sent me, it says 'it is password protected or encrypted' ? I have been through the statement I was sent in the SAR and the charges are made up of the following:

Cash Withdrawal Fees

Promotional Cash Interest Charged

Over Limit Fees

Promotional Retail Interest Charge

LateCharges

Retail Interest Charged

Cash Interest Charged

 

Are any of these claimable? The charges are a substantial part of the balance (balance c£4k).

I would be so grateful for further advice on this.

Many thanks, Pru

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Hi, to update I have now received a letter from Link asking me to send the ppi payment I have received to them. They say mbna contacted them and told them that they had sent it to us! IMS - I cannot open the spreadsheet you sent me, it says 'it is password protected or encrypted' ? I have been through the statement I was sent in the SAR and the charges are made up of the following:

Cash Withdrawal Fees

Promotional Cash Interest Charged

Over Limit Fees

Promotional Retail Interest Charge

LateCharges

Retail Interest Charged

Cash Interest Charged

 

Are any of these claimable? The charges are a substantial part of the balance (balance c£4k).

I would be so grateful for further advice on this.

Many thanks, Pru

 

Hi

 

There are areas in the spreadsheet that are protected to prevent accidental alteration of formulae.

 

The cells you need to edit are all accessible, they are D5, D6, D7, D8, D9 and D10. Also in the white section Columns A, B and C.

 

The charges you can claim back in your list are...

 

Over Limit Fees and Late Charges

 

Regards

 

ims

 

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Thank you so much IMS for your speedy response! I can't open the spreadsheet at all, is it anywhere else where I can try to access it? Also, shall I reply to Link? Best wishes, Pru

 

Hi

 

When you try and open it in Excel, what message do you get?

 

Regards

 

ims

 

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Hi IMS, sorry to be a pest but am I doing something wrong - I've managed to put in the details and when I list each item the 'Total of Charges' increases but the 'Total Compound Interest' just shows #NAME? ???

Also where it asks for APR I entered 23.9% which is quoted on the agreement as being the standard interest rate p.a. so hope this is correct?

Many thanks for your help with this, Pru

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Hi Pru

 

Interest rate is fine.

 

You had some trouble downloading this sheet. Maybe the protection is interfering somewhere. I've attached an unprotected copy which may solve your issue.

 

Remember, only change stuff in the blue section for cells D5 to D10 and the heading in cell A1.

 

Also, only enter list data in the white section for columns A, B and C....DO NOT change anything in columns D and E.

 

Make sure your dates are entered in the format of dd/mm/yy

 

Regards

 

ims

 

CISheetU.xls

 

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  • 4 months later...

Hi All

Sorry for posting this here first of all but I didn't understand (a bit 'Twitter' ignorant I'm afriad) about "putting in the prefix to tweet to the company"???

Anyway my thread re MBNA is linked below but I wanted to ask a quick question, how could they have got hold of my work telephone number? I was shocked when they rang me today as I wasn't even working there when I originally took out the MBNA credit card over 12 yrs ago! They definitely did not get it from any family. I am concerned as to how this information is obtained. Many thanks, Pru

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?280697-Help-with-MBNA

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cra file

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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192.com

 

you must have given it out at some point somewhere

else the info is gotten by a search engine

though usually this comes from DCA's working for MBNA?

 

but anyhow

 

its against all guidelines and rules for them to contact you at work

 

TELL THEM to remove the number and never use it again

and CONFIRM in writingthey have does this else you will escalate the complaint.

 

you really need to keep to one thread per 'debt'

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

Thread moved to Legal Issues Forum.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thanks IMS for coming back to me. I did receive a payment from them for PPI but I never did work out the other charges that had been applied to my account... life got in the way! Can you advise how is the best way to proceed please?

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You will need to prepare an updated spreadsheet for the charges plus interest and see what impact it would make on the amount owed.

 

This will form part of your defence and counterclaim.

 

What is the date of issue of the court papers?.....you now have a strict time-line to keep to

 

ims

 

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Ok your time-line is as follows:

 

Date of issue 10/4 + 5 for service = 15/4 + 14 to acknowledge the claim =29/4 + 14 to get your defence in (if you are defending) = 13/5/12.

 

Get the figures done so you can see what impact it has on their claim amount.

 

Can you post up their Particulars of Claim (no personal information of course)

 

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Thank you very much. Particulars of claim:

 

The Claimant claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxx and opened effective from xx/xx/1998. The agreement is regulated by the Consumer Credit Act 1974, was signed by the Defendant and from which credit was extended to the Defendant. The Defendant failed to make payment as required under the terms of agreement and by xx/xx/2002 a default was recorded. As at xx/xx/02 the Defendant owed MBNA Europe Bank Limited the sum of 4xxx.xx By an agreement in writing the benefit of the debt has been legally assigned to the Claimant effective xx/xx/2002 and made regular upon the Claimant serving a Notice of Assignment upon the Defendant shortly thereafter. And the Claimant claims:

1. 4xxx.xx

2. Interest pursuant to Section 69 County Court Act (1984) at a rate of 8% per annum from xx/xx/2010 to xx/xx/12 of xxx.xx and thereafter at a daily rate of .95 to date of judgment or sooner payment. Date 10/04/2012

 

I shall work on the figures this evening. Thanks again.

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How can Link claim an amount (incidentally which includes the PPI) that they were never able to substantiate (DSAR). I don't remember ever receiving any letter of assignment, I don't believe I received it in the DSAR data either (will check it out when I dig out the paperwork this evening). The PPI was an extremely suspect situation - I had clearly indicated on the form at the time that I was self-employed. Someone else had ticked the PPI box and confirmed it with a rubber stamp, several months after my completion and their receipt of the application form!

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How can Link claim an amount (incidentally which includes the PPI) that they were never able to substantiate

 

They can claim whatever they like, the question is whether they can prove it :-)

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